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microfinance in india
WOMEN 'S EMPOWERMENT IN INDIA
Introduction
Women’s empowerment in India is heavily dependent on many different variables that include geographical location (urban/rural), educational status, social status (caste and class), and age. Policies on women’s empowerment exist at the national, state, and local (Panchayat) levels in many sectors, including health, education, economic opportunities, gender-based violence, and political participation. However, there are significant gaps between policy advancements and actual practice at the community level.
One key factor for the gap in implementation of laws and policies to address discrimination, economic disadvantages, and violence against women at the community level is the largely patriarchal structure that governs the community and households in much of India. As such, women and girls have restricted mobility, access to education, access to health facilities, and lower decision-making power, and experience higher rates of violence. Political participation is also hindered at the Panchayat (local governing bodies) level and at the state and national levels, despite existing reservations for women.
The impact of the patriarchal structure can be seen in rural and urban India, although women’s empowerment in rural India is much less visible than in urban areas. This is of particular concern, since much of India is rural despite the high rate of urbanization and expansion of cities. Rural women, as opposed to women in urban settings, face inequality at much higher rates, and in all spheres of life. Urban women and, in particular, urban educated women enjoy relatively higher access to economic opportunities, health and education, and experience less domestic violence. Women (both urban and rural) who have some level of education have higher decision- making power in the household and the community. Furthermore, the level of women’s education also has a direct implication on maternal mortality rates, and



References: Chen .1997. Cited in Linda Mayoux, Gender and empowerment concepts, September 2005, available at http://www.genfinance.info/Documents/GenderConcepts.pdf. Cheston, and Lisa Kuhn.2002. Empowering women through microfinance, Publication sponsored by UNIFEM, available at www.microcreditsummit .org/papers/+ 5cheston_kuhn.pdf Ghate ,Prabhu. 2008. Micro finance in India – A state of the sector report (2007). New Delhi: Sage publications. Johnson, Susan .2004. The impact of microfinance institutions in local financial markets: a case study from Kenya, Journal of International Development, Kabeer, Naila.2005. Is microfinance a magic bullet for women empowerment? Analysis of South Asia, Economic and Political Weekly, 40(44), 4709-4718. K. Rajendran and R.P. Raya (2010) Impact of Micro Finance - An empirical Study on the Attitude of SHG Leaders in Vellore District (Tamil Nadu, India). ‘Global Journal of Finance and Management’- ISSN 0975 - 6477 Volume 2, Number 1, pp. 59-68, http://www.ripublication.com/gjfm/gjfmv2n1_5.pdf. Pitt, M. Mark, Shahidur R. Khandker and Jennifer Cartwright. 2006. Empowering women with micro finance: Evidence from Bangladesh, Economic Development and Cultural Change Ranjula Bali Swaina and Fan Yang Wallentin (September 2009) Does microfinance empower women Evidence from self-help groups in India, ‘International Review of Applied Economics’ Vol23,No.5, , 541– 556,http://pdfserve.informaworld.com/595379_758077589_913075296.pdf. Shylendra, H. S. 1999. Micro-finance and Self-Help Groups (SHGs): A study of the experience of two leading NGOs, SEWA and AKRSP in Gujarat (India), Research paper No. 16. IRMA.

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